My New Blog

"Dear Terry,

Thank you so much for all your help.  You allowed us to become involved with this process with your explanations & options which allowed us to make sound decisions.  This is exactly what we were looking for.

We know how many conditions you had to work through & because of your hard work, we have a place to call home.

Sincerely,

Nick and Ethyl"

Awww...thank you Nick and Ethyl...it's people like you that make me love what I do.

With a good FICO score, low "loan-to-value" and rate/term refinance, my good clients have been getting 5.25% 30 year fixed with no points, just pay closing costs.  For owner-occupied, no points and these are 15 day rate locks so their application packages are fully-approved by the lenders, 4.875% 30 year fixed with no points. 

Sitting on the fence?  Better get off soon.  When the rates go up, at some  point they are going to stay up and you'll be kicking yourself every time you make that inflated mortgage payment.